Major Rating Factors:
Excellent current capitalization (7.9 on a scale of 0 to 10) based on a risk-based capital ratio of 18.0 and a capital leverage ratio of 9.6. Operating profits as a percentage of assets at 2.5%, coupled with a return on assets of 1.9 has resulted in Excellent (7.7) profitability.
Other Rating Factors:
A current level of 3.1 percent of nonperforming loans to core capital combined with 6.6 percent from a year earlier contributes to the Excellent asset quality (7.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Home mtgs (26%), securities (21%), comm re (19%), cash (14%), comm loans (6%), consumer loans (2%), home eq lns (2%), other (11%)
States with Branches:
KY
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
First Southern Bancorp, Inc.
Investment Rating
--
Address
27 Public Square
Lancaster, KY 40444
Lancaster, KY 40444
Phone Number
(859) 792-2134
Year Founded
1865
FDIC Number
Website
Largest Affiliates
No affiliate information available.